The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$43,553
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,908
−HK$1,377/mo
Today · 4.125%
HK$46,285
baseline
▲ 0.50% · 4.625%
HK$49,101
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,570/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,453
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,752
−HK$1,319/mo
Today · 4.125%
HK$51,071
baseline
▲ 0.50% · 4.625%
HK$53,763
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,142/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,264
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,890
−HK$1,652/mo
Today · 4.125%
HK$55,542
baseline
▲ 0.50% · 4.625%
HK$58,921
+HK$3,379/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,084/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,143
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,703
−HK$1,582/mo
Today · 4.125%
HK$61,285
baseline
▲ 0.50% · 4.625%
HK$64,515
+HK$3,230/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,570/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,975
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,872
−HK$1,927/mo
Today · 4.125%
HK$64,799
baseline
▲ 0.50% · 4.625%
HK$68,741
+HK$3,942/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,598/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,834
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,653
−HK$1,846/mo
Today · 4.125%
HK$71,499
baseline
▲ 0.50% · 4.625%
HK$75,268
+HK$3,769/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$142,998/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,396
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,835
−HK$2,477/mo
Today · 4.125%
HK$83,312
baseline
▲ 0.50% · 4.625%
HK$88,382
+HK$5,070/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,624/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,215
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,554
−HK$2,373/mo
Today · 4.125%
HK$91,927
baseline
▲ 0.50% · 4.625%
HK$96,773
+HK$4,846/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,854/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,260 · Scale 2, in force from 26 Feb 2026)